Fact Sheet
January – 2018
InveSTAR
Trademark used under licence from respective owners.
Trademark used under license from respective owners.
MONTHLY REPORT – JANUARY 2018
From the Desk of Chief Investment Officer…
OVERVIEW OF MARKET
The Union Budget for FY19 was directed at domestic, especially rural consumption
with supportive measures like increasing MSP and higher allocation to the rural
economy. However, long term capital gains on equity shares and mutual funds at the
rate of 10% has seen a selloff in equity markets. Crude closed ~3% higher during the
month at $69.1 (up ~31% FYTD18) as OPEC agreed to extend their production cut by
another year. Further, IT and Banking sectors’ outperformed while Telecom, Auto and
Power underperformed the Nifty. FIIs bought approximately Rs 13,490 cr, while
domestic mutual funds bought around Rs 5,109 cr of equity during the month.
The Index of Industrial Production accelerated to 8.4% in November compared to
2.2% in October. CPI inflation increased to 5.2% in December against 4.9% in
November. WPI inflation cooled to 3.6% in December from 3.9% in November.
The Bond market yields rose during the month of January 2018. The benchmark 10
year G-Sec (6.79% GOI 2027) closed 27bp higher at 7.60% against 7.33% last month.
The new benchmark 10 year G-Sec (7.17% GOI 2028) closed at 7.43%.
FUND PERFORMANCE
During the month of January 2018, our Equity and Growth Funds performance was
mixed versus the benchmarks. For 3 years period ending January 2018, majority of
equity and growth funds delivered annualised returns of around 7-8%.
Majority of Balanced Funds delivered about 6-8% annualized return over last 3 years
period. Bond funds delivered about 6-7% annualized returns for the said period. Fund
wise performance is detailed in the following sheets.
FIXED INCOME OUTLOOK
In budget, government continued on the fiscal consolidation path (targeting GFD/GDP
of 3.3%), maintained a largely stable taxation regime and raised the spending on the
infrastructure and rural economy. Bond market will closely watch: 1) fiscal impact of
mega healthcare scheme announced in the budget, 2) uptick in GST revenue and 3)
possible downturn in inflation from 2HCY18. Additionally, interest rates would be
effected by demand-supply of bonds through auction and the FII flows that have been
strong so far. For the near future the interest rates are expected to be at the current
level or lower than the present level.
EQUITY OUTLOOK
Earnings season so far has been better than expected especially for the consumer and
atomobile space. Broader macroeconomic theme remains unchanged with
consumption driving pick-up in growth. Improvement in capacity utilization and better
earnings in FY19 may improve the private investment environment going forward. Pick-
up in economic growth and rising commodity prices augurs well for corporate earnings.
Going ahead, liquidity and earnings trajectory will be the key determinant of the market
in near term. From portfolio strategy perspective, we prefer stocks with earning
momentum and reasonable valuations.
Performance Summary as on January 31 2018
Scheme Name
SFIN
NAV BM NAV BM NAV BM NAV BM NAV BM
Apex Equity Fund
ULIF 009 20/01/10 SUD‐LA‐EQ1 142
Equity Fund
ULIF 002 25/02/09 SUD‐LI‐EQ1 142
Individual Pension Fund ‐ Apex Equity
ULIF 013 20/01/10 SUD‐PA‐EQ1 142
Individual Pension Fund ‐ Equity
ULIF 005 31/03/09 SUD‐PI‐EQ1 142
Apex Growth Fund
ULIF 010 20/01/10 SUD‐LA‐GR1 142
Growth Fund
ULIF 003 25/02/09 SUD‐LI‐GR1 142
Individual Pension Fund ‐ Apex Growth
ULIF 014 20/01/10 SUD‐PA‐GR1 142
Individual Pension Fund ‐ Growth
ULIF 006 31/03/09 SUD‐PI‐GR1 142
Apex Balanced Fund
ULIF 011 20/01/10 SUD‐LA‐BL1 142
Balanced Fund
ULIF 001 18/02/09 SUD‐LI‐BL1 142
7.82%
8.04%
8.12%
1
2
3
4
5
6
7
8
9
10
9.68%
9.50%
20/01/2010 33.13 22.0962
20/01/2010 34.62 21.2264
Inception dateAUM (Rs. Cr)
NAV (Rs.)
2.65%
8.82%
6.50%
8.82%
6.50%
8.82%
8.82%
6.50%
14.35%
15.07%
13.68%
9.68%
9.50%
9.21%
2 Year (A) 3 Year Since Inception (A)
10.67%
15.95%7.91% 16.80%
10.37%
9.82%
7.82%
8.04%
9.73%
10.52%8.13%
19.36%
8.12%
7.82%
7.58%
19.36%
17.04%
7.74%
6 Month
10.37%
26.45%
20.62%
26.45%
20.62%
9.08% 26.77% 19.97%
6.16% 19.37% 16.56%
26.45%
20.62%
1 Year
15.40% 14.56%
12.08%
10.22%
20/01/2010 336.83 21.0921 4.37% 14.94%4.57% 14.73% 8.19%
6.69% 12.60%
15.29%
19.36%
14.84%
31/03/2009 18.22 28.5592 5.87%
20/01/2010 403.11
19.36%
17.04%
7.82%
8.04%
31/03/2009 20.12 33.9976 9.35%
6.50%
25.43% 19.26% 7.59%
17.04% 8.04%
20.62% 17.04%21.8556 5.95% 19.61% 17.34% 8.16%
20/01/2010 393.21 22.3380 9.23% 26.85% 20.24%
18.93% 15.19%
26.45%
25.52% 19.71%
Absolute CAGR (Annualised)
18/02/2009 22.61 24.0584 2.36% 8.85%
15.74% 7.14%
9.84% 6.25% 10.29%
25/02/2009 48.66 40.2369 8.76%
25/02/2009 113.60 35.8579 5.10% 18.11%
InveSTAR
Trademark used under licence from respective owners.
/ /
Individual Pension Fund ‐ Apex Balanced
ULIF 015 20/01/10 SUD‐PA‐BL1 142
Individual Pension Fund ‐ Balanced
ULIF 007 31/03/09 SUD‐PI‐BL1 142
Express Balanced Fund
ULIF 017 29/04/11 SUD‐LX‐BL1 142
Apex Bond Fund
ULIF 012 20/01/10 SUD‐LA‐BN1 142
Bond Fund
ULIF 004 25/02/09 SUD‐LI‐BN1 142
Individual Pension Fund ‐ Apex Bond
ULIF 016 20/01/10 SUD‐PA‐BN1 142
Individual Pension Fund ‐ Bond
ULIF 008 31/03/09 SUD‐PI‐BN1 142
Discontinued Policies Fund
ULIF 018 03/06/11 SUD‐UL‐DP1 142
Bluechip Equity Fund
ULIF 019 11/12/13 SUD‐LI‐EQ2 142
Growth Plus Fund
ULIF 023 11/12/13 SUD‐LI‐GR2 142
Balanced Plus Fund
ULIF 024 11/12/13 SUD‐LI‐BL2 142
Individual Life Income Fund
ULIF 020 11/12/13 SUD‐LI‐BN2 142
Group Debt Fund
ULGF 003 20/03/15 SUD‐GN‐BN1 142
Total AUM 2837.77
8.12% 10.81% 11.73%
23 6/10/2015 10.48 11.7939 ‐0.38% 0.14% 3.26% 3.52% 7.86% 8.20% NA NA 7.36% 7.76%
21 29/1/2014 207.53 15.0882 1.69% 2.65% 7.89% 10.37%
17.70% 18.67% 7.35%8.51% 21.34% 25.28%
10.23% 12.08% 6.57%
7.84% 14.17% 14.72%
20 29/1/2014 219.05 16.4442 5.08% 6.50% 17.06% 20.62% 15.43% 17.04% 7.11% 8.04% 13.21% 14.17%
19 29/1/2014 233.95 17.0083 7.44%
17
18
7.92%
8.12%
7.77%
7.92%
7.92%
11
12
13
14
15
16
8.00%
9.21%
8.00%
9.30%
3.52%
10.37%
2.86%
20/01/2010 147.71 18.4446
8.16%
0.14%
2.65%
0.14%
0.14%
4.57%
0.14%
7.69%
10.48%
7.75%3.52%
03/06/2011 400.16 15.6734 1.61% 4.56% 6.28%
29/04/2011 54.32 18.1250 2.66%
20/01/2010 15.35 20.4480 3.81%
20/01/2010 4.83 18.0293 ‐0.73%
6.74% 7.45%5.68%2.19% 7.53%
14.03% 7.52% 9.31%
7.67% 7.00% 7.61%
9.57% 10.89% 7.02% 9.19%
15.40%
3.52%
10.37%2.65%
14.56%
8.20%
12.08%
8.12%13.86%
‐0.32% 3.20% 7.87% 7.92%3.52% 8.20% 7.28%
10.17%
31/03/2009 3.34 18.7159 ‐0.56% 2.10% 6.73% 6.67% 7.34%
12.08%
8.20%
8.12%6.84%31/03/2009 9.28 23.5546 2.27% 9.37% 11.17%
25/02/2009 9.23 18.9410 ‐0.61% 2.69% 7.24% 6.87% 7.46%8.20% 7.92%
7.46% 8.14% 6.75% 7.90% 8.91% 9.46%22 29/1/2014 98.45 14.0793 ‐0.43% 0.31% 2.93% 3.69%
Trademark used under licence from respective owners.
142L003V01 142L004V01 142L008V01 142L028V01 142L010V01 142L018V01 142L019V01 142L020V01 142L024V01 142L025V01 142L026V01 142L021V01 142L041V01 142L042V01 142L049V01
Fund Name (SFIN)
Apex Equity Fund
ULIF 009 20/01/10 SUD‐LA‐EQ1 142
Equity Fund
ULIF 002 25/02/09 SUD‐LI‐EQ1 142
Individual Pension Fund ‐ Apex Equity
ULIF 013 20/01/10 SUD‐PA‐EQ1 142
Individual Pension Fund ‐ Equity
ULIF 005 31/03/09 SUD‐PI‐EQ1 142
Bluechip Equity Fund
ULIF 019 11/12/13 SUD‐LI‐EQ2 142
Apex Growth Fund
ULIF 010 20/01/10 SUD‐LA‐GR1 142
Growth Fund
ULIF 003 25/02/09 SUD‐LI‐GR1 142
Individual Pension Fund ‐ Apex Growth
ULIF 014 20/01/10 SUD‐PA‐GR1 142
Individual Pension Fund ‐ Growth
ULIF 006 31/03/09 SUD‐PI‐GR1 142
Growth Plus Fund
ULIF 023 11/12/13 SUD‐LI‐GR2 142
Mapping of Funds and Products (Funds representing the underlying Products)
1
2
3
4
Product Name (UIN)
Dhan SurakshaDhan Suraksha
PremiumPrabhat Tara
6
7
8
9
New Dhruv
Tara
Dhan Suraksha
Express
Dhruv Tara
Product
New Dhan
Suraksha
New Dhan
Suraksha
Premium
Dhan Suraksha
3
Dhan
Suraksha
Premium 3
Prabhat Tara
3
New Prabhat
Tara
Dhan
Suraksha Plus
Wealth Builder
Plan
EQUITY FUND
5
10
GROWTH FUND
BALANCED FUND
SUD Life
Group
Retirement
Trademark used under licence from respective owners.
Apex Balanced Fund
ULIF 011 20/01/10 SUD‐LA‐BL1 142
Balanced Fund
ULIF 001 18/02/09 SUD‐LI‐BL1 142
Individual Pension Fund ‐ Apex Balanced
ULIF 015 20/01/10 SUD‐PA‐BL1 142
Individual Pension Fund ‐ Balanced
ULIF 007 31/03/09 SUD‐PI‐BL1 142
Express Balanced Fund
ULIF 017 29/04/11 SUD‐LX‐BL1 142
Balance Plus Fund
ULIF 024 11/12/13 SUD‐LI‐BL2 142
Apex Bond Fund
ULIF 012 20/01/10 SUD‐LA‐BN1 142
Bond Fund
ULIF 004 25/02/09 SUD‐LI‐BN1 142
Individual Pension Fund ‐ Apex Bond
ULIF 016 20/01/10 SUD‐PA‐BN1 142
Individual Pension Fund ‐ Bond
ULIF 008 31/03/09 SUD‐PI‐BN1 142
Income Fund
ULIF 020 11/12/13 SUD‐LI‐BN2 142
Group Debt Fund
ULGF 003 20/03/15 SUD‐GN‐BN1 142
Discontinued Life Policies Fund
ULIF 018 03/06/11 SUD‐UL‐DP1 142
20
22
13
14
15
17
18
19
11
12
16
DISCONTINUED FUND
BOND FUND
17
GROUP UNIT LINKED FUND
21
Trademark used under licence from respective owners.
Summary of number of Funds managed by Fund Managers alongwith details of Equity, Balanced and Debt
Sr. No. TYPE OF FUND NAME OF FUNDS MANAGERNO. OF FUNDS
MANAGEDNAME OF FUNDS AUM
1 Apex Equity Fund 393.21
2 Equity Fund 48.66
3 Individual Pension Fund ‐ Apex Equity 33.13
4 Individual Pension Fund ‐ Equity 20.12
5 Bluechip Equity Fund 233.95
TOTAL 729.07
6 Apex Growth Fund 403.11
7 Growth Fund 113.60
8 Individual Pension Fund ‐ Apex Growth 34.62
9 Individual Pension Fund ‐ Growth 18.22
10 Growth Plus Fund 219.05
11 Apex Balanced Fund 336.83
12 Balanced Fund 22.61
13 Individual Pension Fund ‐ Apex Balanced 15.35
14 Individual Pension Fund ‐ Balanced 9.28
15 Express Balanced Fund 54.32
16 Balanced Plus Fund 207.53
TOTAL 1,434.51
17 Apex Bond Fund 147.71
18 Bond Fund 9 23
EQUITY FUND
GROWTH AND
BALANCED FUND
5
11
EQUTY ‐ Mr. RAHUL RANJAN
EQUTY ‐ Mr. RAHUL RANJAN
DEBT ‐ Mr. LAKSHMAN CHETTIAR
InveSTAR
Trademark used under licence from respective owners.
18 Bond Fund 9.23
19 Individual Pension Fund ‐ Apex Bond 4.83
20 Individual Pension Fund ‐ Bond 3.34
21 Individual Life Income Fund 98.45
22 Group Debt Fund 10.48
23 Discontinued Policies Fund 400.16
TOTAL 674.19
Total Funds 23 TOTAL AUM 2,837.77
BOND FUND 7DEBT ‐ Mr. LAKSHMAN CHETTIAR
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 009 20/01/10 SUD‐LA‐EQ1 142
Products: AUM :
Rs. 393.21 Cr
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 89.02% Minimum Maximum
HDFC Bank Ltd 8.10% 80% 100% 350.05 89.02%
Reliance Industries Ltd 6.97% 0% 20% 43.16 10.98%
ITC Ltd. 6.25%
Infosys Technologies Ltd. 4.95%
Larsen & Toubro Limited 4.76%
Maruti Suzuki India Limited 4.71%
ICICI Bank Ltd 3.79%
Housing Development Finance Corporation Ltd. 2.58%
State Bank of India 2.53%
Tata Consultancy Services Limited 2.35%
Mahindra & Mahindra Ltd. 2.10%
IndusInd Bank Limited 1.99%
Vedanta Limited 1.90%
Hero Motocorp Ltd. 1.87%
Ultratech Cement Ltd. 1.87%
APEX EQUITY FUND -JANUARY 2018
Equity
MM & Others
Name of Fund Manager:
Mr. Rahul Ranjan
To tap growth opportunities for long term capital appreciation through investments primarily in equity and
equity‐related instruments.
Investment PatternActual
Asset Mix
Particulars
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Premium 3 & Prabhat Tara 3.
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
AUM (Rs. In Cr)
MM & Others10.98%
Asset Allocation (% to AUM)
Ultratech Cement Ltd. 1.87%
Tata Motors Limited 1.80%
Sun Pharmaceuticals Industries Ltd 1.78%
Hindustan Unilever Limited 1.70%
GAIL (India) Limited 1.52%
Tata Steel Limited 1.44%
Bharat Electronics Ltd 1.32%
Bharti Airtel Limited 1.29%
Power Grid Corporation of India Limited 1.24%
Yes Bank Limited 1.20%
HCL Technologies Ltd 1.16%
Petronet LNG Limited 1.02%
Others (with < 1% exposure) 16.84%
MM & Others 10.98%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Equity Fund 3.41% 6.32% 9.23% 26.85% 20.24% 8.13% 10.52%
Benchmark 4.30% 6.19% 8.82% 26.45% 19.36% 7.82% 9.68%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
22.34%
9.94%
8.88%
7.11%
7.03%
6.25%
5.64%
4.76%
3.08%
2.09%
11.89%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of other transport equipment
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of tobacco products
Infrastructure
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
Equity89.02%
8.509.009.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.0020.50
Jan‐10
Apr‐10
Jul‐10
Sep‐10
Dec‐10
Mar‐11
Jun‐11
Aug‐11
Nov‐11
Feb‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Feb‐14
May‐14
Aug‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Aug‐16
Nov‐16
Feb‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective:
Date of Inception : SFIN No.
February 25, 2009 ULIF 002 25/02/09 SUD‐LI‐EQ1 142
Products : AUM:
Rs. 48.66 Cr
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 86.26% Minimum Maximum
HDFC Bank Ltd 8.32% 80% 100% 41.97 86.26%
Reliance Industries Ltd 6.76% 0% 20% 6.69 13.74%
ITC Ltd. 5.42%
Infosys Technologies Ltd. 4.95%
Maruti Suzuki India Limited 4.62%
Larsen & Toubro Limited 4.59%
ICICI Bank Ltd 3.64%
Tata Motors Limited 3.35%
Housing Development Finance Corporation Ltd. 2.62%
State Bank of India 2.40%
Tata Consultancy Services Limited 2.30%
Hindustan Unilever Limited 2.11%
Mahindra & Mahindra Ltd. 1.97%
Ultratech Cement Ltd. 1.77%
Hero Motocorp Ltd. 1.75%
IndusInd Bank Limited 1.62%
Kotak Mahindra Bank Limited 1.48%
Power Grid Corporation of India Limited 1.44%
Vedanta Limited 1.40%
Sun Pharmaceuticals Industries Ltd 1 38%
To tap growth opportunities for long term capital appreciation through investments primarily in equity and
equity‐related instruments.
Investment PatternActual
Asset Mix
Particulars
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
EQUITY FUND - JANUARY 2018
Name of Fund Manager:
Mr. Rahul Ranjan
AUM (Rs. In Cr)
Equity
MM & Others
Equity86.26%
MM & Others13.74%
Asset Allocation (% to AUM)
Sun Pharmaceuticals Industries Ltd 1.38%
HCL Technologies Ltd 1.13%
GAIL (India) Limited 1.10%
Petronet LNG Limited 1.05%
Tech Mahindra Limited 1.04%
Bharat Electronics Ltd 1.03%
Indian Oil Corporation Ltd 1.03%
Bharti Airtel Limited 1.03%
Others (with < 1% exposure) 14.98%
MM & Others 13.74%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Equity Fund 3.31% 6.20% 8.76% 25.52% 19.71% 7.91% 16.80%
Benchmark 4.30% 6.19% 8.82% 26.45% 19.36% 7.82% 15.95%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
22.71%
9.94%
8.86%
7.97%
6.39%
5.42%
5.01%
4.59%
3.43%
1.77%
10.20%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Manufacture of tobacco products
Infrastructure
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of other non‐metallic mineral products
Others
Top 10 Industry Exposure (% to AUM)
14.0015.0016.0017.0018.0019.0020.0021.0022.0023.0024.0025.0026.0027.0028.0029.0030.0031.0032.0033.0034.0035.0036.0037.0038.0039.0040.00
Feb‐09
Jun‐09
Sep‐09
Dec‐09
Mar‐10
Jun‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Aug‐15
Nov‐15
Feb‐16
May‐16
Aug‐16
Dec‐16
Mar‐17
Jun‐17
Sep‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 013 20/01/10 SUD‐PA‐EQ1 142
Products : AUM :
Rs. 33.13 Cr
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 86.94% Minimum Maximum
HDFC Bank Ltd 7.97% 80% 100% 28.80 86.94%
Reliance Industries Ltd 6.87% 0% 20% 4.33 13.06%
ITC Ltd. 5.78%
Larsen & Toubro Limited 5.37%
Infosys Technologies Ltd. 5.19%
Maruti Suzuki India Limited 4.73%
ICICI Bank Ltd 3.72%
Housing Development Finance Corporation Ltd. 2.68%
State Bank of India 2.47%
Tata Consultancy Services Limited 2.38%
Mahindra & Mahindra Ltd. 2.07%
Hero Motocorp Ltd. 2.02%
Tata Motors Limited 1.95%
Hindustan Unilever Limited 1.94%
Ultratech Cement Ltd. 1.85%
IndusInd Bank Limited 1.69%
Sun Pharmaceuticals Industries Ltd 1.66%
Vedanta Limited 1.54%
Bharti Airtel Limited 1.51%
INDIVIDUAL PENSION FUND APEX EQUITY - JANUARY 2018
Equity
For New Dhruv Tara Products
MM & Others
Name of Fund Manager:
Mr. Rahul Ranjan
To seek consistent long term capital appreciation through investments primarily in equity and equity‐related
instruments by focusing predominantly on well established companies.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
AUM (Rs. In Cr)
Equity
MM & Others13.06%
Asset Allocation (% to AUM)
Kotak Mahindra Bank Limited 1.32%
Power Grid Corporation of India Limited 1.21%
HCL Technologies Ltd 1.17%
GAIL (India) Limited 1.15%
Yes Bank Limited 1.09%
Bharat Electronics Ltd 1.01%Others (with < 1% exposure) 16.62%
MM & Others 13.06%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Equity 3.58% 6.40% 9.08% 26.77% 19.97% 7.74% 10.37%Benchmark 4.30% 6.19% 8.82% 26.45% 19.36% 7.82% 9.68%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
21.71%
10.12%
8.03%
7.63%
7.18%
5.78%
5.37%
5.07%
3.32%
1.85%
10.90%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Manufacture of tobacco products
Civil engineering
Infrastructure
Manufacture of chemicals and chemical products
Manufacture of other non‐metallic mineral products
Others
Top 10 Industry Exposure ( % to AUM)
Equity86.94%
8.50
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
19.50
20.50
Jan‐10
Apr‐10
Jun‐10
Sep‐10
Nov‐10
Feb‐11
Apr‐11
Jul‐11
Sep‐11
Dec‐11
Feb‐12
May‐12
Aug‐12
Oct‐12
Jan‐13
Mar‐13
Jun‐13
Aug‐13
Nov‐13
Jan‐14
Apr‐14
Jun‐14
Sep‐14
Nov‐14
Feb‐15
Apr‐15
Jul‐15
Sep‐15
Dec‐15
Mar‐16
May‐16
Aug‐16
Oct‐16
Jan‐17
Mar‐17
Jun‐17
Aug‐17
Nov‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 005 31/03/09 SUD‐PI‐EQ1 142
Products : AUM :
Rs. 20.12 Cr
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 86.29% Minimum Maximum
HDFC Bank Ltd 8.03% 80% 100% 17.36 86.29%
Reliance Industries Ltd 6.72% 0% 20% 2.76 13.71%
ITC Ltd. 5.47%
Infosys Technologies Ltd. 4.92%
Maruti Suzuki India Limited 4.51%
Larsen & Toubro Limited 4.04%
ICICI Bank Ltd 3.53%
Housing Development Finance Corporation Ltd. 2.48%
Kotak Mahindra Bank Limited 2.42%
Havells India Ltd. 2.41%
State Bank of India 2.35%
Tata Consultancy Services Limited 2.29%
Mahindra & Mahindra Ltd. 1.94%
Hindustan Unilever Limited 1.84%
Hero Motocorp Ltd. 1.75%
Tata Motors Limited 1.73%
Ultratech Cement Ltd. 1.72%
Vedanta Limited 1.60%
GAIL (India) Limited 1.55%
Bharti Airtel Limited 1 53%
INDIVIDUAL PENSION FUND EQUITY - JANUARY 2018
MM & Others
Equity
For Dhruv Tara Products
Name of Fund Manager:
Mr. Rahul Ranjan
To seek consistent long term capital appreciation through investments primarily in equity and equity‐related
instruments by focusing predominantly on well established companies.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
AUM (Rs. In Cr)
Equity86 29%
MM & Others13.71%
Asset Allocation (% to AUM)
Bharti Airtel Limited 1.53%
Bharat Electronics Ltd 1.48%
Power Grid Corporation of India Limited 1.26%
Indian Oil Corporation Ltd 1.25%
Tech Mahindra Limited 1.19%
HCL Technologies Ltd 1.15%
Sun Pharmaceuticals Industries Ltd 1.03%
Ashok Leyland Ltd 1.00%Others (with < 1% exposure) 15.10%
MM & Others 13.71%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Equity 3.42% 6.01% 9.35% 25.43% 19.26% 7.59% 14.84%Benchmark 4.30% 6.19% 8.82% 26.45% 19.36% 7.82% 15.07%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
21.16%
10.06%
9.05%
7.25%
6.66%
5.62%
5.47%
4.04%
3.12%
2.93%
10.95%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Infrastructure
Manufacture of tobacco products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of machinery and equipment n.e.c.
Others
Top 10 Industry Exposure ( % to AUM)
86.29%
11.0012.0013.0014.0015.0016.0017.0018.0019.0020.0021.0022.0023.0024.0025.0026.0027.0028.0029.0030.0031.0032.00
Mar‐09
Jun‐09
Sep‐09
Dec‐09
Mar‐10
Jun‐10
Sep‐10
Nov‐10
Feb‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Feb‐16
May‐16
Aug‐16
Nov‐16
Feb‐17
May‐17
Aug‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 019 11/12/13 SUD‐LI‐EQ2 142
Products : AUM :
Rs. 233.95 Cr
Portfolio % to AUM
Equity (Top 10 Holdings & >1%) 81.25% Minimum Maximum
HDFC Bank Ltd 7.02% 70% 100% 190.09 81.25%
Reliance Industries Ltd 6.35% 0% 30% 43.87 18.75%
ITC Ltd. 4.58%
Infosys Technologies Ltd. 4.38%
Maruti Suzuki India Limited 4.12%
ICICI Bank Ltd 3.77%
Larsen & Toubro Limited 3.56%
Tata Consultancy Services Limited 2.29%
Tata Motors Limited 2.19%
Hindustan Unilever Limited 2.05%
Housing Development Finance Corporation Ltd. 1.95%
State Bank of India 1.83%
Mahindra & Mahindra Ltd. 1.80%
Yes Bank Limited 1.70%
Vedanta Limited 1.70%
Sun Pharmaceuticals Industries Ltd 1.65%
Hero Motocorp Ltd. 1.57%
Ultratech Cement Ltd. 1.56%
Bharat Electronics Ltd 1.51%
IndusInd Bank Limited 1 45%
INDIVIDUAL BLUE CHIP EQUITY - JANUARY 2018
MM & Others
Asset Mix
For Dhan Suraksha Plus & Wealth Builder Plan
The fund seeks to achieve long term capital appreciation by investing predominantly in equity and equity
related securities.
Benchmark :
CNX Nifty Index ‐ 85%
CRISIL Liquid Fund Index ‐ 15%
Name of Fund Manager:
Mr. Rahul Ranjan
ParticularsInvestment Pattern
Actual
Equity
AUM (Rs. In Cr)
MM & Others18.75%
Asset Allocation (% to AUM)
IndusInd Bank Limited 1.45%
Tech Mahindra Limited 1.29%
Kotak Mahindra Bank Limited 1.21%
HCL Technologies Ltd 1.15%
Oil & Natural Gas Corpn Ltd 1.06%
Power Grid Corporation of India Limited 1.05%
Jubilant Foodworks Ltd. 1.04%
Bharti Airtel Limited 1.03%Others (with < 1% exposure) 16.40%
MM & Others 18.75%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBluechip Equity Fund 3.07% 5.46% 7.44% 21.34% 17.70% 7.35% 14.17%Benchmark 4.09% 5.93% 8.51% 25.28% 18.67% 7.84% 14.72%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
20.80%
9.60%
7.98%
7.00%
5.93%
4.85%
4.58%
3.56%
3.32%
1.86%
11.77%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Infrastructure
Manufacture of tobacco products
Civil engineering
Manufacture of chemicals and chemical products
Manufacture of food products
Others
Top 10 Industry Exposure ( % to AUM)
Equity81.25%
10.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.00
Jan‐14
Mar‐…
May‐…
Jun‐14
Aug‐14
Oct‐14
Nov‐14
Jan‐15
Mar‐…
Apr‐15
Jun‐15
Aug‐15
Sep‐15
Nov‐15
Dec‐15
Feb‐16
Apr‐16
May‐…
Jul‐16
Sep‐16
Oct‐16
Dec‐16
Feb‐17
Mar‐…
May‐…
Jul‐17
Aug‐17
Oct‐17
Nov‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 010 20/01/10 SUD‐LA‐GR1 142
Products : AUM :
Rs. 403.11 Cr Equity Mr. Rahul Ranjan
Debt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 69.73% Minimum Maximum
HDFC Bank Ltd 7.97% 55% 85% 281.07 69.73%
Reliance Industries Ltd 5.43% 15% 45% 122.03 30.27%
ITC Ltd. 5.12%
Infosys Technologies Ltd. 4.11%
Maruti Suzuki India Limited 3.80%
Larsen & Toubro Limited 3.80%
ICICI Bank Ltd 3.68%
Housing Development Finance Corporation Ltd. 2.58%
State Bank of India 2.38%
Tata Consultancy Services Limited 1.85%
IndusInd Bank Limited 1.74%
Ultratech Cement Ltd. 1.48%
Vedanta Limited 1.46%
Hero Motocorp Ltd. 1.42%
Tata Motors Limited 1.41%
Hindustan Unilever Limited 1.36%
Mahindra & Mahindra Ltd. 1.33%
Yes Bank Limited 1.14%
Others (with < 1% exposure) 17.66%
Debt 25.41%
Gilts & SDL (Top 10 Holdings) 10.64%
8.17% GOI ‐ 01‐Dec‐2044 2.76%
6.68% GOI‐ 17‐Sept‐2031 2.27%
8.83% GOI ‐ 12‐Dec‐2041 1.43%
8.24% GOI ‐ 15‐Feb‐2027 1.03%
6.97% GOI‐ 06‐Sep‐2026 0.88%
8.32% GOI ‐ 02‐Aug‐2032 0.73%
8.2600% GOI ‐ 02‐Aug‐2027 0.51%
7 72% GOI 25 May 2025 0 50%
APEX GROWTH FUND - JANUARY 2018
Equity
Debt, MM & Others
Name of Fund Manager:
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
AUM (Rs. In Cr)
Debt25.41%
Equity69.73%
MM & Others4.86%
Asset Allocation (% to AUM)
AAA41.33%
Gilts41.88%
Debt Rating Profile (% of Debt)
7.72% GOI‐ 25‐May‐2025 0.50%
8.2800% GOI ‐ 15‐Feb‐2032 0.26%
8.33% GOI ‐ 09‐Jul‐2026 0.26%
Others 0.01%
Corporate Bonds (Top 10 Holdings) 14.77%
POWER FINANCE CORPORATION LTD. 1.95%
LIC HOUSING FINANCE LTD 1.45%
RURAL ELECTRIFICATION CORPORATION L 1.37%
HDFC LTD. 1.36%
UNITED PHOSPHORUS LTD. 1.28%
STEEL AUTHORITY OF INDIA LTD. 0.95%
RELIANCE PORTS & TERMINALS LTD. 0.83%
RELIANCE INDUSTRIES LTD 0.81%
M & M FINANCIAL SERVICES LTD. 0.79%
VEDANTA LIMITED 0.75%
Others 3.23%
MM & Others 4.86%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Growth Fund 2.72% 4.52% 5.95% 19.61% 17.34% 8.16% 10.22%
Benchmark 3.20% 4.39% 6.50% 20.62% 17.04% 8.04% 9.50%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
22.96%
8.89%
7.96%
7.54%
5.85%
5.29%
5.12%
4.26%
3.73%
3.07%
9.82%
Financial & Insurance Activities
Infrastructure
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Manufacture of tobacco products
Civil engineering
Manufacture of chemicals and chemical products
Housing Sector
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
6.93%
20.66%
14.08%
26.88%
31.45%
Debt Maturity Profile ( % of Debt)
AA+8.14%
AA2.94%
AA‐5.72%
Modified Duration ‐ 4.35 yrs
9.50
11.50
13.50
15.50
17.50
19.50
21.50
23.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
Jan‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
NAV Benchmark
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
February 25, 2009 ULIF 003 25/02/09 SUD‐LI‐GR1 142
Products : AUM:
Rs. 113.60 Cr Equity Mr. Rahul RanjanDebt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 68.25% Minimum Maximum
HDFC Bank Ltd 7.89% 40% 100% 77.53 68.25%
Reliance Industries Ltd 5.38% 0% 60% 36.06 31.75%
ITC Ltd. 5.21%
Infosys Technologies Ltd. 3.98%
Maruti Suzuki India Limited 3.69%
ICICI Bank Ltd 3.62%
Larsen & Toubro Limited 3.30%
Housing Development Finance Corporation Ltd. 2.49%
State Bank of India 2.22%
Kotak Mahindra Bank Limited 2.00%
Tata Consultancy Services Limited 1.79%
IndusInd Bank Limited 1.71%
Mahindra & Mahindra Ltd. 1.60%
Ultratech Cement Ltd. 1.43%
Hero Motocorp Ltd. 1.40%
Tata Motors Limited 1.39%
Hindustan Unilever Limited 1.31%
Power Grid Corporation of India Limited 1.12%
Yes Bank Limited 1.01%
Others (with < 1% exposure) 15.70%
Debt 25.66%
Gilts & SDL (Top 10 Holdings) 16.15%
Equity
Debt, MM & Others
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat Tara
& Dhan Suraksha Express.
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
GROWTH FUND - JANUARY 2018
Name of Fund Manager:
AUM (Rs. In Cr)
AAA29.38%
Debt Rating Profile (% of Debt)
Debt, 25.66%
Equity, 68.25%
MM & Others, 6.09%
Asset Allocation (% to AUM)
8.17% GOI ‐ 01‐Dec‐2044 7.89%
8.83% GOI ‐ 12‐Dec‐2041 3.72%
7.72% GOI‐ 25‐May‐2025 1.78%
8.97% GOI ‐ 05‐Dec‐2030 1.26%
8.13% GOI‐ 22‐Jun‐2045 0.91%
8.40% GOI 28 Jul 2024 0.41%
8.24% GOI ‐ 15‐Feb‐2027 0.18%
Others 0.00%
Corporate Bonds (Top 10 Holdings) 9.51%
RELIANCE PORTS & TERMINALS LTD. 2.38%
STEEL AUTHORITY OF INDIA LTD. 1.97%
POWER FINANCE CORPORATION LTD. 1.88%
THE GREAT EASTERN SHIPPING CO. LTD. 1.00%
INDIAN OIL CORPORATION LTD 0.72%
RELIANCE GAS TRANSPORTN INFRA LTD. 0.66%
RELIANCE INDUSTRIES LTD 0.36%
POWER GRID CORPORATION OF INDIA LTD 0.29%
IRFC LTD. 0.18%
HDFC LTD. 0.09%
Others 0.00%
MM & Others 6.09%
Total 100.00%
`
21.61%
9.06%
7.78%
7.37%
5.21%
5.08%
5.00%
3.30%
3.12%
2.37%
7.87%
Financial & Insurance Activities
Infrastructure
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of tobacco products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Civil engineering
Manufacture of Basic Metals
Manufacture of chemicals and chemical products
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
4.55%5.97%
18.12%
10.36%
61.00%
Debt Maturity Profile ( % of Debt)
AA‐7.70%
Gilts62.93%
9.0010.5012.0013.5015.0016.5018.0019.5021.0022.5024.0025.5027.0028.5030.0031.5033.0034.50
Feb‐09
Jun‐09
Sep‐09
Dec‐09
Mar‐10
Jun‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Aug‐15
Nov‐15
Feb‐16
May‐16
Aug‐16
Dec‐16
Mar‐17
Jun‐17
Sep‐17
Jan‐ 18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 5.90 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Fund 2.76% 4.09% 5.10% 18.11% 15.74% 7.14% 15.29%Benchmark 3.20% 4.39% 6.50% 20.62% 17.04% 8.04% 14.35%
CAGR (Annualised)Fund returns vis a vis Benchmark
Absolute
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 014 20/01/10 SUD‐PA‐GR1 142
Products : AUM :
Rs. 34.62 Cr Equity Mr. Rahul RanjanDebt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 70.22% Minimum Maximum
HDFC Bank Ltd 7.82% 55% 85% 24.31 70.22%
Reliance Industries Ltd 5.51% 15% 45% 10.31 29.78%
Larsen & Toubro Limited 5.00%
ITC Ltd. 4.63%
Infosys Technologies Ltd. 4.39%
ICICI Bank Ltd 3.72%
Maruti Suzuki India Limited 3.68%
Housing Development Finance Corporation Ltd. 2.53%
State Bank of India 2.24%
Sun Pharmaceuticals Industries Ltd 2.09%
Tata Consultancy Services Limited 1.83%
IndusInd Bank Limited 1.71%
Mahindra & Mahindra Ltd. 1.63%
Ultratech Cement Ltd. 1.42%
Yes Bank Limited 1.40%
Hero Motocorp Ltd. 1.39%
Tata Motors Limited 1.36%
Hindustan Unilever Limited 1.31%
Kotak Mahindra Bank Limited 1.25%
Others (with < 1% exposure) 15.32%
Debt 24 51%
INDIVIDUAL PENSION FUND APEX GROWTH - JANUARY 2018
Equity
For New Dhruv Tara Products
Debt, MM & Others
Name of Fund Manager:
To seek consistent growth over medium to long term by focusing predominantly on well
established companies through investments primarily in equity and equity‐related instruments
and fair exposure to high credit quality portfolio of debt and money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
AUM (Rs. In Cr)
Debt24.51%
Equity70.22%
MM & Others5.27%
Asset Allocation (% to AUM)
AAA34.88%
AA‐11.87%
Debt Rating Profile (% of Debt)
Debt 24.51%
Gilts & SDL (Top 10 Holdings) 13.05%
8.17% GOI ‐ 01‐Dec‐2044 3.76%
7.72% GOI‐ 25‐May‐2025 2.91%
9.15% GOI ‐ 14‐Nov‐2024 2.49%
8.2600% GOI ‐ 02‐Aug‐2027 2.24%
8.32% GOI ‐ 02‐Aug‐2032 1.51%
6.97% GOI‐ 06‐Sep‐2026 0.14%Others 0.00%
Corporate Bonds (Top 10 Holdings) 11.46%
RELIANCE PORTS & TERMINALS LTD. 4.99%
LIC HOUSING FINANCE LTD 3.56%
STEEL AUTHORITY OF INDIA LTD. 2.91%Others 0.00%
MM & Others 5.27%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Growth 3.17% 5.16% 6.16% 19.37% 16.56% 7.58% 9.82%Benchmark 3.20% 4.39% 6.50% 20.62% 17.04% 8.04% 9.50%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
21.32%
8.23%
7.45%
6.39%
5.40%
5.04%
5.00%
4.63%
3.94%
3.56%
10.70%
Financial & Insurance Activities
Computer programming, consultancy and related activities
Infrastructure
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Civil engineering
Manufacture of tobacco products
Manufacture of Basic Metals
Housing Sector
Others
Top 10 Industry Exposure ( % to AUM)
1‐3 years 3‐5 years 5‐10 years > 10 years
26.39%
20.36%
31.76%
21.49%
Debt Maturity Profile ( % of Debt)
Gilts53.25%
9.00
10.50
12.00
13.50
15.00
16.50
18.00
19.50
21.00
22.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
Jan‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.15yrs
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 006 31/03/09 SUD‐PI‐GR1 142
Products : AUM :
Rs. 18.22 Cr Equity Mr. Rahul RanjanDebt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 69.97% Minimum Maximum
HDFC Bank Ltd 7.77% 40% 100% 12.75 69.97%
ITC Ltd. 5.59% 0% 60% 5.47 30.03%
Reliance Industries Ltd 5.49%
Larsen & Toubro Limited 4.37%
Infosys Technologies Ltd. 4.09%
Maruti Suzuki India Limited 3.76%
ICICI Bank Ltd 3.68%
Housing Development Finance Corporation Ltd. 2.53%
Sun Pharmaceuticals Industries Ltd 2.52%
State Bank of India 2.27%
Tata Consultancy Services Limited 1.83%
IndusInd Bank Limited 1.80%
Mahindra & Mahindra Ltd. 1.63%
Hero Motocorp Ltd. 1.54%
Ultratech Cement Ltd. 1.44%
Tata Motors Limited 1.39%
Hindustan Unilever Limited 1.32%
Power Grid Corporation of India Limited 1.10%
Yes Bank Limited 1.02%
Others (with < 1% exposure) 14.82%
Debt 24.82%
Gilts & SDL (Top 10 Holdings) 17.08%8 17% GOI 01 D 2044 6 00%
Equity
Debt, MM & Others
ParticularsInvestment Pattern
Actual
Name of Fund Manager:
AUM (Rs. In Cr)
To seek consistent growth over medium to long term by focusing predominantly on well established companies
through investments primarily in equity and equity‐related instruments and fair exposure to high credit quality
portfolio of debt and money market instruments.
Asset Mix
For Dhruv Tara Products
Benchmark :
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
INDIVIDUAL PENSION FUND GROWTH - JANUARY 2018
AAA31.18%
Debt Rating Profile (% of Debt)
Debt24.82%
Equity69.97%
MM & Others5.21%
Asset Allocation (% to AUM)
8.17% GOI ‐ 01‐Dec‐2044 6.00%
8.2600% GOI ‐ 02‐Aug‐2027 3.96%
6.97% GOI‐ 06‐Sep‐2026 3.68%
7.72% GOI‐ 25‐May‐2025 2.22%
Others 1.22%
Corporate Bonds (Top 10 Holdings) 7.74%INDIAN OIL CORPORATION LTD 4.47%
THE GREAT EASTERN SHIPPING CO. LTD. 2.83%
STATE BANK OF INDIA 0.44%Others 0.00%
MM & Others 5.21%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
CAGR (Annualised)Fund returns vis a vis Benchmark
Absolute
20.18%
10.74%
7.96%
5.59%
5.51%
5.18%
4.37%
2.95%
2.83%
2.52%
9.87%
Financial & Insurance Activities
Manufacture of coke and refined petroleum products
Computer programming, consultancy and related activities
Manufacture of tobacco products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Civil engineering
Infrastructure
Water transport
Manufacture of pharmaceuticals,medicinal chemical and botanical products
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 5‐10 years > 10 years
18.02%
11.40%
41.50%
29.09%
Debt Maturity Profile ( % of Debt)
Gilts68.82%
10.00
11.50
13.00
14.50
16.00
17.50
19.00
20.50
22.00
23.50
25.00
26.50
28.00
29.50
Mar‐09
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Oct‐15
Jan‐16
Apr‐16
Jul‐16
Oct‐16
Jan‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.91 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Growth 2.73% 4.71% 5.87% 18.93% 15.19% 6.69% 12.60%Benchmark 3.20% 4.39% 6.50% 20.62% 17.04% 8.04% 13.68%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 023 11/12/13 SUD‐LI‐GR2 142
Products : AUM:
Rs. 219.05 Cr Equity Mr. Rahul RanjanDebt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 62.98% Minimum Maximum
HDFC Bank Ltd 5.98% 40% 100% 137.95 62.98%
Reliance Industries Ltd 4.91% 0% 60% 69.55 31.75%
Larsen & Toubro Limited 3.56% 0% 30% 11.54 5.27%
ITC Ltd. 3.56%
ICICI Bank Ltd 3.40%
Infosys Technologies Ltd. 3.39%
Maruti Suzuki India Limited 3.28%
Housing Development Finance Corporation Ltd. 2.31%
State Bank of India 1.91%
Hindustan Unilever Limited 1.74%
Tata Consultancy Services Limited 1.69%
IndusInd Bank Limited 1.57%
Tata Motors Limited 1.57%
Kotak Mahindra Bank Limited 1.47%
Mahindra & Mahindra Ltd. 1.38%
GAIL (India) Limited 1.24%
Vedanta Limited 1.22%
Ultratech Cement Ltd. 1.19%
Hero Motocorp Ltd. 1.15%Others (with < 1% exposure) 16.47%
Debt 31.75%
Gilts & SDL (Top 10 Holdings) 17.74%
7.72% GOI‐ 25‐May‐2025 5.07%
8.17% GOI ‐ 01‐Dec‐2044 3.57%
MM & Others
Equity
Debt
CNX Nifty Index ‐ 70%
CRISIL Composite Bond Index ‐ 30%
For Dhan Suraksha Plus & Wealth Builder Plan.
Asset Mix
ParticularsInvestment Pattern
Actual
Name of Fund Manager:
AUM (Rs. In Cr)
To aim for medium to long term capital appreciation by maintaining a diversified portfolio of equity and equity
related instruments and fair exposure to high credit quality portfolio of debt and money market instruments.
GROWTH PLUS FUND - JANUARY 2018
Benchmark :
AAA42.66%
Debt Rating Profile (% of Debt)
Debt31.75%
Equity62.98%
MM & Others5.27%
Asset Allocation (% to AUM)
6.97% GOI‐ 06‐Sep‐2026 2.28%
8.40% GOI 28 Jul 2024 2.04%
8.20% GOI ‐ 24‐Sep‐2025 1.53%
8.83% GOI ‐ 12‐Dec‐2041 1.01%
8.13% GOI‐ 22‐Jun‐2045 0.71%
8.2600% GOI ‐ 02‐Aug‐2027 0.53%
8.33% GOI ‐ 09‐Jul‐2026 0.47%
8.32% GOI ‐ 02‐Aug‐2032 0.26%
9.65% SDL ‐ Tamil Nadu ‐ 12‐Mar‐2024 0.12%
Others 0.14%
Corporate Bonds (Top 10 Holdings) 14.01%
RURAL ELECTRIFICATION CORPORATION L 5.94%
RELIANCE PORTS & TERMINALS LTD. 3.50%
HDFC LTD. 1.31%
POWER FINANCE CORPORATION LTD. 1.04%
POWER GRID CORPORATION OF INDIA LTD 0.94%
LIC HOUSING FINANCE LTD 0.72%
L&T HOUSING FINANCE LIMITED 0.24%
VEDANTA LIMITED 0.23%
LARSEN & TOUBRO LTD. 0.09%
Others 0.00%
MM & Others 5.27%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionGrowth Plus Fund 2 26% 3 95% 5 08% 17 06% 15 43% 7 11% 13 21%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
18.67%
15.12%
6.70%
5.89%
5.15%
4.50%
3.65%
3.56%
2.66%
2.03%
9.07%
Financial & Insurance Activities
Infrastructure
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Housing Sector
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.79%2.48%
30.74%
45.50%
17.49%
Debt Maturity Profile ( % of Debt) Modified Duration ‐ 4.67 yrs
AA0.72%
AA+0.74%
Gilts55.87%
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
14.50
15.00
15.50
16.00
16.50
17.00
17.50
18.00
Jan‐14
Mar‐14
Apr‐14
Jun‐14
Jul‐14
Sep‐14
Oct‐14
Dec‐14
Jan‐15
Mar‐15
Apr‐15
May‐15
Jul‐15
Aug‐15
Oct‐15
Nov‐15
Jan‐16
Feb‐16
Mar‐16
May‐16
Jun‐16
Aug‐16
Sep‐16
Nov‐16
Dec‐16
Feb‐17
Mar‐17
May‐17
Jun‐17
Jul‐17
Sep‐17
Oct‐17
Dec‐17
Jan‐18
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
NAV Benchmark
Growth Plus Fund 2.26% 3.95% 5.08% 17.06% 15.43% 7.11% 13.21%Benchmark 3.20% 4.39% 6.50% 20.62% 17.04% 8.04% 14.17%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 011 20/01/10 SUD‐LA‐BL1 142
Products : AUM :
Rs. 336.83 Cr Equity Mr. Rahul Ranjan
Debt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 53.48% Minimum Maximum
HDFC Bank Ltd 5.96% 35% 65% 180.13 53.48%
Reliance Industries Ltd 4.16% 35% 65% 156.70 46.52%
ITC Ltd. 3.42%Infosys Technologies Ltd. 2.99%Maruti Suzuki India Limited 2.84%
Larsen & Toubro Limited 2.80%
ICICI Bank Ltd 2.80%
Housing Development Finance Corporation Ltd. 1.98%
State Bank of India 1.89%
Tata Consultancy Services Limited 1.44%
IndusInd Bank Limited 1.17%Ultratech Cement Ltd. 1.13%
Tata Motors Limited 1.12%
Mahindra & Mahindra Ltd. 1.10%
Hero Motocorp Ltd. 1.08%
Hindustan Unilever Limited 1.03%
Others (with < 1% exposure) 16.58%
Debt 42.40%Gilts & SDL (Top 10 Holdings) 18.63%
8.17% GOI ‐ 01‐Dec‐2044 2.17%
8.20% GOI ‐ 24‐Sep‐2025 1.90%
8.29% Tamilnadu 29 Jul 2025 1.51%
7.72% GOI‐ 25‐May‐2025 1.50%
7.73% GOI‐ 19‐Dec‐2034 1.47%
8.83% GOI ‐ 12‐Dec‐2041 1.37%
APEX BALANCED FUND - JANUARY 2018
Equity
Debt, MM & Others
To optimize returns over medium to long term, by aiming balance between risk and return, through
investments in high quality equity and debt instruments.
For New Dhan Suraksha, New Dhan Suraksha
Premium, New Prabhat Tara, Dhan Suraksha 3,
Dhan Suraksha Premium 3 & Prabhat Tara 3.
Benchmark :
CNX Nifty Index ‐ 50%
CRISIL Composite Bond Index ‐ 50%
Name of Fund Manager:
Investment PatternActual
Asset Mix
Particulars AUM (Rs. In Cr)
Debt42.40%
Equity53.48%
MM & Others4.13%
Asset Allocation( % to AUM)
AAA42.79%
Debt Rating Profile (% of Debt)
6.97% GOI‐ 06‐Sep‐2026 1.28%
8.83% GOI 25 Nov 2023 1.10%
8.33% GOI ‐ 09‐Jul‐2026 0.92%
8.2600% GOI ‐ 02‐Aug‐2027 0.68%
Others 4.74%
Corporate Bonds (Top 10 Holdings) 23.77%
POWER FINANCE CORPORATION LTD. 2.61%
POWER GRID CORPORATION OF INDIA LTD 2.57%
LIC HOUSING FINANCE LTD 2.12%
RELIANCE PORTS & TERMINALS LTD. 1.92%
HDFC LTD. 1.86%
UNITED PHOSPHORUS LTD. 1.53%
M & M FINANCIAL SERVICES LTD. 1.48%
SUNDARAM FINANCE LTD. 1.46%
IL & FS LTD. 1.43%
RURAL ELECTRIFICATION CORPORATION L 1.25%
Others 5.52%
MM & Others 4.13%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Balanced Fund 1.94% 3.15% 4.37% 14.94% 14.73% 8.19% 9.73%B h k 2 19% 2 87% 4 57% 15 40% 14 56% 8 12% 9 21%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
21.47%
13.06%
5.96%
5.48%
4.30%
4.04%
3.99%
3.47%
3.42%
3.33%
8.72%
Financial & Insurance Activities
Infrastructure
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Housing Sector
Civil engineering
Manufacture of tobacco products
Manufacture of chemicals and chemical products
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
7.30%
13.45%16.61%
43.03%
19.60%
Debt Maturity Profile ( % of Debt)
AA+8.41%
AA2.32%
AA‐2.54%
Gilts43.95%
9.00
11.00
13.00
15.00
17.00
19.00
21.00
23.00
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
May‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
Jan‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.36 yrs
Benchmark 2.19% 2.87% 4.57% 15.40% 14.56% 8.12% 9.21%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
February 18, 2009 ULIF 001 18/02/09 SUD‐LI‐BL1 142
Products : AUM :
Rs. 22.61 Cr Equity Mr. Rahul RanjanDebt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 28.83% Minimum Maximum
HDFC Bank Ltd 2.92% 0% 60% 6.52 28.83%
Reliance Industries Ltd 2.21% 40% 100% 16.09 71.17%
ITC Ltd. 1.94%
Infosys Technologies Ltd. 1.81%
Larsen & Toubro Limited 1.79%
Maruti Suzuki India Limited 1.51%
ICICI Bank Ltd 1.49%
Housing Development Finance Corporation Ltd. 1.00%
Kotak Mahindra Bank Limited 0.98%
State Bank of India 0.94%Others (with < 1% exposure) 12.24%
Debt 68.33%
Gilts & SDL (Top 10 Holdings) 43.01%
8.97% GOI ‐ 05‐Dec‐2030 11.65%
6.97% GOI‐ 06‐Sep‐2026 8.69%
8.17% GOI ‐ 01‐Dec‐2044 7.69%
8.33% GOI ‐ 09‐Jul‐2026 4.59%
9.63% Maharashtra ‐ 12‐Feb‐2024 2.39%
9.19% SDL ‐ Kerala ‐ 28‐May‐2024 2.35%
8.24% GOI ‐ 15‐Feb‐2027 2.29%
8.2600% GOI ‐ 02‐Aug‐2027 2.19%
9.11% Maharashtra ‐ 28‐May‐2024 1.17%
BALANCED FUND - JANUARY 2018
Equity
Debt, MM & Others
Name of Fund Manager:
To aim for stable returns over medium to long term through investments in high quality fixed income and
money market instruments and enhance returns through a fair exposure to equity investments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
AUM (Rs. In Cr)
Debt68.33%
Equity28.83%
MM & Others2.84%
Asset Allocation (% to AUM)
AAA29.23%
Debt Rating Profile (% of Debt)
Others 0.00%
Corporate Bonds (Top 10 Holdings) 25.32%
LIC HOUSING FINANCE LTD 6.48%STEEL AUTHORITY OF INDIA LTD. 5.34%THE GREAT EASTERN SHIPPING CO. LTD. 4.55%
INDIAN OIL CORPORATION LTD 2.70%
RELIANCE PORTS & TERMINALS LTD. 1.43%
DEWAN HOUSING FINANCE CORP. LTD. 1.40%
IRFC LTD. 1.35%
POWER FINANCE CORPORATION LTD. 1.35%
Others 0.70%
MM & Others 2.84%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
9.48%
7.88%
6.47%
6.02%
5.27%
4.55%
2.98%
2.43%
1.94%
1.89%
5.24%
Financial & Insurance Activities
Housing Sector
Infrastructure
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Water transport
Computer programming, consultancy and related activities
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of tobacco products
Manufacture of other transport equipment
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
7.91%
19.13%
2.10%
42.56%
28.30%
Debt Maturity Profile (% of Debt)
AA‐7.82%Gilts
62.95%
9.5010.5011.5012.5013.5014.5015.5016.5017.5018.5019.5020.5021.5022.5023.5024.5025.5026.5027.50
Feb‐09
May‐09
Aug‐09
Nov‐09
Feb‐10
May‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Sep‐12
Dec‐12
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Mar‐14
Jun‐14
Sep‐14
Dec‐14
Feb‐15
May‐15
Aug‐15
Nov‐15
Feb‐16
May‐16
Aug‐16
Nov‐16
Jan‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 5.13 yrs
p
Balanced Fund 0.81% 1.29% 2.36% 8.85% 9.84% 6.25% 10.29%
Benchmark 1.19% 1.36% 2.65% 10.37% 12.08% 8.12% 10.67%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 015 20/01/10 SUD‐PA‐BL1 142
Products : AUM :
Rs. 15.35 Cr Equity Mr. Rahul RanjanDebt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 43.53% Minimum Maximum
HDFC Bank Ltd 4.81% 35% 65% 6.68 43.53%
Reliance Industries Ltd 3.42% 35% 65% 8.67 56.47%
Larsen & Toubro Limited 3.19%ITC Ltd. 3.19%Infosys Technologies Ltd. 2.67%
Maruti Suzuki India Limited 2.29%
ICICI Bank Ltd 2.29%
Housing Development Finance Corporation Ltd. 1.53%State Bank of India 1.39%Tata Motors Limited 1.37%
Sun Pharmaceuticals Industries Ltd 1.32%Tata Consultancy Services Limited 1.14%
IndusInd Bank Limited 1.13%Mahindra & Mahindra Ltd. 1.00%Others (with < 1% exposure) 12.77%
Debt 48.12%
Gilts & SDL (Top 10 Holdings) 20.90%
8.21% Maharashtra ‐ 09‐Dec‐2025 6.58%
8 17% GOI 01 D 2044 5 43%
INDIVIDUAL PENSION FUND APEX BALANCED - JANUARY 2018
Equity
For New Dhruv Tara Products
Debt, MM & Others
Name of Fund Manager:
To optimize returns over medium to long term, by aiming balance between risk and return, through
investments in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 50%
CRISIL Composite Bond Index ‐ 50%
AUM (Rs. In Cr)
AAA49.75%
Gilts 43.43%
Debt Rating Profile (% of Debt)
Debt48.12%
Equity43.53%
MM & Others8.35%
Asset Allocation (% to AUM)
8.17% GOI ‐ 01‐Dec‐2044 5.43%
8.20% GOI ‐ 15‐Feb‐2022 3.32%
8.40% GOI 28 Jul 2024 3.05%
8.97% GOI ‐ 05‐Dec‐2030 1.43%
8.83% GOI ‐ 12‐Dec‐2041 1.09%
Others 0.00%
Corporate Bonds (Top 10 Holdings) 27.22%
LIC HOUSING FINANCE LTD 7.38%
IL & FS LTD. 6.97%
RELIANCE GAS TRANSPORTN INFRA LTD. 3.51%
TATA SONS LTD. 3.35%
STEEL AUTHORITY OF INDIA LTD. 3.28%
DEWAN HOUSING FINANCE CORP. LTD. 2.07%Others 0.67%
MM & Others 8.35%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
15.53%
12.62%
9.45%
5.07%
4.77%
3.88%
3.81%
3.19%
3.19%
3.05%
6.19%
Financial & Insurance Activities
Infrastructure
Housing Sector
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of Basic Metals
Civil engineering
Manufacture of tobacco products
Manufacture of other transport equipment
Others
Top 10 Industry Exposure ( % to AUM)
1‐3 years 3‐5 years 5‐10 years > 10 years
29.05% 28.68%25.76%
16.50%
Debt Maturity Profile ( % of Debt)
AA‐6.82%
9.50
11.50
13.50
15.50
17.50
19.50
21.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Sep‐11
Dec‐11
Mar‐12
Jun‐12
Sep‐12
Dec‐12
Mar‐13
Jun‐13
Sep‐13
Nov‐13
Feb‐14
May‐14
Aug‐14
Nov‐14
Feb‐15
May‐15
Aug‐15
Nov‐15
Jan‐16
Apr‐16
Jul‐16
Oct‐16
Jan‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 3.84 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Apex Balanced 1.78% 2.85% 3.81% 13.86% 14.03% 7.52% 9.31%Benchmark 2.19% 2.87% 4.57% 15.40% 14.56% 8.12% 9.21%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 007 31/03/09 SUD‐PI‐BL1 142
Products : AUM :
Rs. 9.28 Cr Equity Mr. Rahul RanjanDebt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 29.92% Minimum Maximum
HDFC Bank Ltd 3.31% 0% 60% 2.78 29.92%
ITC Ltd. 2.41% 40% 100% 6.50 70.08%
Reliance Industries Ltd 2.32%
Larsen & Toubro Limited 1.98%Infosys Technologies Ltd. 1.87%
ICICI Bank Ltd 1.57%
Maruti Suzuki India Limited 1.54%
Housing Development Finance Corporation Ltd. 1.05%
State Bank of India 0.98%
IndusInd Bank Limited 0.77%
Others (with < 1% exposure) 12.12%
Debt 66.04%
Gilts & SDL (Top 10 Holdings) 37.22%
8.17% GOI ‐ 01‐Dec‐2044 14.42%8.97% GOI ‐ 05‐Dec‐2030 8.28%9.63% Maharashtra ‐ 12‐Feb‐2024 4.66%9.11% Maharashtra ‐ 28‐May‐2024 4.56%7.72% GOI‐ 25‐May‐2025 2.72%6.97% GOI‐ 06‐Sep‐2026 2.58%Others 0.00%
Corporate Bonds (Top 10 Holdings) 28.82%
RELIANCE PORTS & TERMINALS LTD 5 82%
INDIVIDUAL PENSION FUND BALANCED - JANUARY 2018
Equity
For Dhruv Tara Products
Debt, MM & Others
Name of Fund Manager:
To aim for stable returns over medium to long term through investments in high quality fixed income and
money market instruments and enhance returns through a fair exposure to equity investments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
AUM (Rs. In Cr)
AAA43.64%
Debt Rating Profile (% of Debt)
Debt66.04%
Equity29.92%
MM & Others4.04%
Asset Allocation (% to AUM)
RELIANCE PORTS & TERMINALS LTD. 5.82%THE GREAT EASTERN SHIPPING CO. LTD. 5.56%LIC HOUSING FINANCE LTD 5.53%
IL & FS LTD. 2.31%
HDFC LTD. 2.29%
DEWAN HOUSING FINANCE CORP. LTD. 2.28%
LARSEN & TOUBRO LTD. 2.20%
STATE BANK OF INDIA 1.72%
Others 1.11%
MM & Others 4.04%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Balanced 0 96% 1 23% 2 27% 9 37% 11 17% 6 84% 10 17%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
10.98%
10.80%
10.11%
5.56%
4.18%
3.10%
2.76%
2.41%
2.38%
2.23%
4.25%
Infrastructure
Financial & Insurance Activities
Housing Sector
Water transport
Civil engineering
Computer programming, consultancy and related activities
Manufacture of coke and refined petroleum products
Manufacture of tobacco products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of other transport equipment
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
1.68%
20.13%
12.31%
31.52% 34.37%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 5.32 yrs
Gilts56.36%
10.00
11.00
12.00
13.00
14.00
15.00
16.00
17.00
18.00
19.00
20.00
21.00
22.00
23.00
24.00
25.00
Mar‐09
Jul‐09
Oct‐09
Jan‐10
Apr‐10
Jul‐10
Nov‐10
Feb‐11
May‐11
Aug‐11
Nov‐11
Mar‐12
Jun‐12
Sep‐12
Dec‐12
Mar‐13
Jun‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Feb‐15
May‐15
Aug‐15
Nov‐15
Feb‐16
Jun‐16
Sep‐16
Dec‐16
Mar‐17
Jun‐17
Sep‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Individual Pension Fund Balanced 0.96% 1.23% 2.27% 9.37% 11.17% 6.84% 10.17%Benchmark 1.19% 1.36% 2.65% 10.37% 12.08% 8.12% 10.48%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
April 29, 2011 ULIF 017 29/04/11 SUD‐LX‐BL1 142 CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
Products : AUM :
For Dhan Suraksha Express Rs. 54.32 Cr Equity Mr. Rahul Ranjan
Debt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 32.96% Minimum Maximum
HDFC Bank Ltd 3.70% 0% 60% 17.90 32.96%
Reliance Industries Ltd 2.60% 40% 100% 36.42 67.04%
Larsen & Toubro Limited 2.38%
ITC Ltd. 2.28%Infosys Technologies Ltd. 1.96%ICICI Bank Ltd 1.75%Maruti Suzuki India Limited 1.75%
Housing Development Finance Corporation Ltd. 1.20%
State Bank of India 1.13%
Others (with < 1% exposure) 14.20%
Debt 63.74%
Gilts & SDL (Top 10 Holdings) 29.61%
8.17% GOI ‐ 01‐Dec‐2044 5.83%
8.32% GOI ‐ 02‐Aug‐2032 4.62%
9.15% GOI ‐ 14‐Nov‐2024 2.98%
8.2600% GOI ‐ 02‐Aug‐2027 2.20%
8.83% GOI ‐ 12‐Dec‐2041 2.05%
8.97% GOI ‐ 05‐Dec‐2030 2.02%
8.13% GOI‐ 22‐Jun‐2045 1.91%
8.20% GOI ‐ 24‐Sep‐2025 1.90%
7.72% GOI‐ 25‐May‐2025 1.86%
EXPRESS BALANCED FUND - JANUARY 2018
Equity
Debt, MM & Others
Name of Fund Manager:
To optimize returns over medium to long term, by aiming balance between risk and return, through investments
in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
ActualAUM (Rs. In Cr)
Gilts
Debt Rating Profile (% of Debt)
Debt63.74%
Equity32.96%
MM & Others3.31%
Asset Allocation( % to AUM)
9.63% Maharashtra ‐ 12‐Feb‐2024 0.99%
Others 3.26%
Corporate Bonds (Top 10 Holdings) 34.13%
THE GREAT EASTERN SHIPPING CO. LTD. 4.74%
POWER FINANCE CORPORATION LTD. 4.45%
RELIANCE GAS TRANSPORTN INFRA LTD. 3.97%
IL & FS LTD. 3.45%
VEDANTA LIMITED 2.77%
RELIANCE PORTS & TERMINALS LTD. 2.58%
POWER GRID CORPORATION OF INDIA LTD 2.34%
TATA SONS LTD. 1.88%LIC HOUSING FINANCE LTD 1.87%MRF LTD. 0.98%
Others 5.09%
MM & Others 3.31%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
18.98%
13.09%
4.74%
3.80%
3.80%
3.14%
3.08%
2.99%
2.60%
2.28%
8.60%
Infrastructure
Financial & Insurance Activities
Water transport
Computer programming, consultancy and related activities
Housing Sector
Civil engineering
Mining of metal ores
Manufacture of coke and refined petroleum products
Manufacture of motor vehicles, trailers and semi‐trailers
Manufacture of tobacco products
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
8.49%
15.39% 18.26%
30.56%
27.29%
Debt Maturity Profile ( % of Debt)
AAA46.30%
AA4.34%
AA‐2.91%
Gilts46.45%
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
19.50
Apr‐11
Aug‐11
Nov‐11
Feb‐12
May‐12
Aug‐12
Nov‐12
Feb‐13
May‐13
Aug‐13
Nov‐13
Feb‐14
May‐14
Sep‐14
Dec‐14
Mar‐15
Jun‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Sep‐16
Dec‐16
Mar‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.75 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionExpress Balanced Fund 1.38% 1.83% 2.66% 9.57% 10.89% 7.02% 9.19%Benchmark 1.19% 1.36% 2.65% 10.37% 12.08% 8.12% 9.30%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
January 29, 2014 ULIF 024 11/12/13 SUD‐LI‐BL2 142 CNX Nifty Index ‐ 30%
CRISIL Composite Bond Index ‐ 70%
Products : AUM :
For Dhan Suraksha Plus & Wealth Builder Plan Rs. 207.53 Cr Equity Mr. Rahul Ranjan
Debt Mr. Lakshman Chettiar
Portfolio % to AUM
`
Equity (Top 10 Holdings & >1%) 31.30% Minimum Maximum
HDFC Bank Ltd 3.26% 0% 60% 64.96 31.30%
Reliance Industries Ltd 2.41% 40% 100% 127.05 61.22%
ITC Ltd. 1.84% 0% 30% 15.53 7.48%
Infosys Technologies Ltd. 1.77%
Maruti Suzuki India Limited 1.62%
ICICI Bank Ltd 1.62%
Larsen & Toubro Limited 1.50%
Housing Development Finance Corporation Ltd. 1.09%
State Bank of India 1.01%
Tata Motors Limited 0.96%
Others (with < 1% exposure) 14.23%
Debt 61.22%
Gilts & SDL (Top 10 Holdings) 35.97%
8.17% GOI ‐ 01‐Dec‐2044 6.29%
7.72% GOI‐ 25‐May‐2025 5.35%
6.97% GOI‐ 06‐Sep‐2026 4.72%
8.40% GOI 28 Jul 2024 3.76%
6.68% GOI‐ 17‐Sept‐2031 2.21%
8.32% GOI ‐ 02‐Aug‐2032 1.89%
8.30% GOI ‐ 02‐Jul‐2040 1.80%
8.30% GOI ‐ 31‐Dec‐2042 1.73%
8.20% GOI ‐ 24‐Sep‐2025 1.34%
8.21% Maharashtra ‐ 09‐Dec‐2025 0.83%
Others 6.05%
C B d (T 10 H ldi ) 25 25%
BALANCED PLUS FUND - JANUARY 2018
MM & Others
Equity
Debt
Name of Fund Manager:
To optimize returns over medium to long term, by aiming balance between risk and return, through
investments in high quality equity and debt instruments.
Asset Mix
ParticularsInvestment Pattern
ActualAUM (Rs. In Cr)
AAA30.26%Gilts
58.75%
Debt Rating Profile (% of Debt)
Debt61.22%
Equity31.30%
MM & Others7.48%
Asset Allocation( % to AUM)
Corporate Bonds (Top 10 Holdings) 25.25%
STEEL AUTHORITY OF INDIA LTD. 3.60%
THE GREAT EASTERN SHIPPING CO. LTD. 2.43%
LARSEN & TOUBRO LTD. 2.07%
RURAL ELECTRIFICATION CORPORATION L 2.05%
HDFC LTD. 1.82%
POWER FINANCE CORPORATION LTD. 1.76%
RELIANCE PORTS & TERMINALS LTD. 1.46%
MRF LTD. 1.24%
STCI FINANCE LIMITED 1.21%
VEDANTA LIMITED 1.21%
Others 6.40%
MM & Others 7.48%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBalanced Plus Fund 0.90% 1.18% 1.69% 7.89% 10.23% 6.57% 10.81%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
13.96%
9.02%
4.11%
3.79%
3.57%
3.44%
3.15%
2.83%
2.43%
2.36%
8.81%
Financial & Insurance Activities
Infrastructure
Manufacture of Basic Metals
Manufacture of coke and refined petroleum products
Civil engineering
Computer programming, consultancy and related activities
Housing Sector
Manufacture of motor vehicles, trailers and semi‐trailers
Water transport
Manufacture of other transport equipment
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
5.01%
14.04%12.65%
41.34%
26.96%
Debt Maturity Profile ( % of Debt)
AA+1.15%
AA1.97%
AA‐7.86%
9.90
10.40
10.90
11.40
11.90
12.40
12.90
13.40
13.90
14.40
14.90
15.40
15.90
16.40
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Oct‐15
Jan‐16
Apr‐16
Jul‐16
Oct‐16
Jan‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.99 yrs
Balanced Plus Fund 0.90% 1.18% 1.69% 7.89% 10.23% 6.57% 10.81%Benchmark 1.19% 1.36% 2.65% 10.37% 12.08% 8.12% 11.73%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 012 20/01/10 SUD‐LA‐BN1 142
Products : AUM :
Rs. 147.71 Cr
Portfolio % to AUM
`
Debt 95.64% Minimum Maximum
Gilts & SDL (Top 10 Holdings & >1%) 38.38% 80% 100% 141.27 95.64%
7.16% GOI ‐ 20‐May‐2023 12.19% 0% 20% 6.44 4.36%
7.72% GOI‐ 25‐May‐2025 8.71%
6.68% GOI‐ 17‐Sept‐2031 4.34%
6.97% GOI‐ 06‐Sep‐2026 3.70%
8.17% GOI ‐ 01‐Dec‐2044 2.14%
8.24% GOI ‐ 15‐Feb‐2027 1.75%
8.33% GOI ‐ 09‐Jul‐2026 1.48%
8.97% GOI ‐ 05‐Dec‐2030 0.91%
9.23% GOI ‐ 23‐Dec ‐2043 0.78%
8.2800% GOI ‐ 15‐Feb‐2032 0.71%
Others (with < 1% exposure) 1.67%
Corporate Bonds (Top 10 Holdings & >1%) 57.27%
DEWAN HOUSING FINANCE CORP. LTD. 9.08%
LIC HOUSING FINANCE LTD 8.00%
POWER GRID CORPORATION OF INDIA LTD 7.30%
M & M FINANCIAL SERVICES LTD. 4.68%
IL & FS LTD. 4.56%
SHRIRAM TRANSPORT FINANCE CO LTD 3 49%
APEX BOND FUND - JANUARY 2018
DEBT
MM & Others
Particulars
Name of Fund Manager:
Mr. Lakshman Chettiar
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
For New Dhan Suraksha, New Dhan Suraksha Premium,
New Prabhat Tara, Dhan Suraksha 3, Dhan Suraksha
Premium 3 & Prabhat Tara 3.
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
AUM (Rs. In Cr)
Debt95.64%
MM & Others4.36%
Asset Allocation (% to AUM)
Gilts40.13%
Debt Rating Profile (% of Debt)
SHRIRAM TRANSPORT FINANCE CO. LTD. 3.49%
HDFC LTD. 3.15%
RURAL ELECTRIFICATION CORPORATION L 2.78%
POWER FINANCE CORPORATION LTD. 2.62%
TATA SONS LTD. 2.22%
TATA CAPITAL FINANCIAL SERVICES LTD 2.04%
L&T HOUSING FINANCE LIMITED 1.75%
FULLERTON INDIA CREDIT COMPANY LTD. 1.36%
VEDANTA LIMITED 1.36%
L & T FINANCE LTD. 1.34%
SUNDARAM FINANCE LTD. 1.11%
Others (with < 1% exposure) 0.41%
MM & Others 4.36%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionApex Bond Fund 0 27% 0 73% 0 32% 3 20% 7 87% 7 28% 7 92%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
20.23%
18.00%
17.47%
1.36%
0.14%
0.07%
Housing Sector
Financial & Insurance Activities
Infrastructure
Mining of metal ores
Water transport
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
10.39%
4.13%
15.58%
58.78%
11.12%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 4.40 yrs
AAA43.05%
AA+15.34%
AA1.42%
AA‐0.07%
9.5010.0010.5011.0011.5012.0012.5013.0013.5014.0014.5015.0015.5016.0016.5017.0017.5018.0018.5019.0019.5020.00
Jan‐10
Apr‐10
Jul‐10
Sep‐10
Dec‐10
Mar‐11
Jun‐11
Aug‐11
Nov‐11
Feb‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Mar‐13
Jun‐13
Sep‐13
Dec‐13
Feb‐14
May‐14
Aug‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Sep‐15
Dec‐15
Mar‐16
Jun‐16
Aug‐16
Nov‐16
Feb‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Apex Bond Fund ‐0.27% ‐0.73% ‐0.32% 3.20% 7.87% 7.28% 7.92%Benchmark ‐0.21% ‐0.63% 0.14% 3.52% 8.20% 7.92% 8.00%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
February 25, 2009 ULIF 004 25/02/09 SUD‐LI‐BN1 142 CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
Products : AUM :
Rs. 9.23 Cr
Portfolio % to AUM
`
Debt 92.77% Minimum Maximum
Gilts & SDL (Top 10 Holdings & >1%) 47.82% 80% 100% 8.56 92.77%
7.16% GOI ‐ 20‐May‐2023 14.84% 0% 20% 0.67 7.23%
6.97% GOI‐ 06‐Sep‐2026 10.91%
8.17% GOI ‐ 01‐Dec‐2044 10.16%
7.72% GOI‐ 25‐May‐2025 6.56%
7.40% GOI ‐ 09‐Sep‐2035 4.22%
8.40% GOI 28 Jul 2024 1.13%
Others (with < 1% exposure) 0.00%
Corporate Bonds (Top 10 Holdings & >1%) 44.95%
POWER GRID CORPORATION OF INDIA LTD 6.44%
RELIANCE PORTS & TERMINALS LTD. 5.85%
HDFC LTD. 5.76%
THE GREAT EASTERN SHIPPING CO. LTD. 5.59%
M & M FINANCIAL SERVICES LTD. 4.61%
LIC HOUSING FINANCE LTD 4.51%
LARSEN & TOUBRO LTD. 4.45%
RELIANCE INDUSTRIES LTD 3 32%
BOND FUND - JANUARY 2018
Debt
MM & Others
Name of Fund Manager:
Mr. Lakshman Chettiar
To aim for stable returns over medium to long term by judicious mix of investments in Government securities
and high quality corporate debt of varying maturities and also in money market instruments.
Investment PatternActual
Asset Mix
Particulars
For Dhan Suraksha, Dhan Suraksha Premium, Prabhat
Tara.
AUM (Rs. In Cr)
Debt92.77%
MM & Others7.23%
Asset Allocation (% to AUM)
Debt Rating Profile (% of Debt)
RELIANCE INDUSTRIES LTD 3.32%
RELIANCE GAS TRANSPORTN INFRA LTD. 2.23%
INDIAN OIL CORPORATION LTD 1.10%
STEEL AUTHORITY OF INDIA LTD. 1.09%
Others (with < 1% exposure) 0.00%
MM & Others 7.23%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionBond Fund ‐0 30% ‐0 86% ‐0 61% 2 69% 7 24% 6 87% 7 46%
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
14.52%
10.28%
5.59%
4.61%
4.45%
4.43%
1.09%
0.00%
Infrastructure
Housing Sector
Water transport
Financial & Insurance Activities
Civil engineering
Manufacture of coke and refined petroleum products
Manufacture of Basic Metals
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
3.59%
19.19%
6.31%
55.42%
15.49%
Debt Maturity Profile ( % of Debt)
AAA42.32%
AA+4.97%AA‐
1.17%
Gilts51.54%
9.50
11.50
13.50
15.50
17.50
19.50
Feb‐09
Jun‐09
Oct‐09
Jan‐10
May‐10
Sep‐10
Dec‐10
Apr‐11
Aug‐11
Nov‐11
Mar‐12
Jul‐12
Oct‐12
Feb‐13
Jun‐13
Oct‐13
Jan‐14
May‐14
Sep‐14
Dec‐14
Apr‐15
Aug‐15
Nov‐15
Mar‐16
Jul‐16
Oct‐16
Feb‐17
Jun‐17
Sep‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)NAV Benchmark
Modified Duration ‐ 4.62 yrs
Bond Fund 0.30% 0.86% 0.61% 2.69% 7.24% 6.87% 7.46%Benchmark ‐0.21% ‐0.63% 0.14% 3.52% 8.20% 7.92% 7.69%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 20, 2010 ULIF 016 20/01/10 SUD‐PA‐BN1 142
Products : AUM :
For New Dhruv Tara Products Rs. 4.83 Cr
Portfolio % to AUM
`
Debt 95.62% Minimum Maximum
Gilts & SDL (Top 10 Holdings & >1%) 63.15% 80% 100% 4.61 95.62%
6.97% GOI‐ 06‐Sep‐2026 14.90% 0% 20% 0.21 4.38%
8.40% GOI 28 Jul 2024 11.87%
9.15% GOI ‐ 14‐Nov‐2024 11.17%
8.34% SDL ‐ Maharashtra ‐ 03‐Feb‐2020 10.26%
8.17% GOI ‐ 01‐Dec‐2044 7.55%
8.84% SDL ‐ Tamil Nadu ‐ 18‐Jul‐2022 4.32%
7.16% GOI ‐ 20‐May‐2023 3.08%
Others (with < 1% exposure) 0.00%
Corporate Bonds (Top 10 Holdings & >1%) 32.47%
POWER GRID CORPORATION OF INDIA LTD 6.75%
RELIANCE PORTS & TERMINALS LTD. 6.71%
HDFC LTD. 6.52%
TATA SONS LTD. 4.24%
DEWAN HOUSING FINANCE CORP. LTD. 4.02%
LARSEN & TOUBRO LTD. 2.12%
RURAL ELECTRIFICATION CORPORATION L 2.10%Others (with < 1% exposure) 0.00%
MM & Others 4.38%
Total 100 00%
INDIVIDUAL PENSION FUND APEX BOND - JANUARY 2018
DEBT
MM & Others
Name of Fund Manager:
Mr. Lakshman Chettiar
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and high
quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
AUM (Rs. In Cr)
Debt95.62%
MM & Others4.38%
Asset Allocation( % to AUM)
AAA33.95%
Debt Rating Profile (% of Debt)
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
15.57%
10.54%
4.24%
2.12%
0.00%
Infrastructure
Housing Sector
Financial & Insurance Activities
Civil engineering
Others
Top 10 Industry Exposure ( % to AUM)
1‐3 years 3‐5 years 5‐10 years > 10 years
17.38%
11.54%
63.19%
7.90%
Debt Maturity Profile ( % of Debt)
Gilts66.05%
9.50
10.50
11.50
12.50
13.50
14.50
15.50
16.50
17.50
18.50
19.50
Jan‐10
Apr‐10
Jul‐10
Oct‐10
Jan‐11
Apr‐11
Jul‐11
Oct‐11
Jan‐12
Apr‐12
Jul‐12
Oct‐12
Jan‐13
Apr‐13
Jul‐13
Oct‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Jan‐15
Apr‐15
Jul‐15
Oct‐15
Jan‐16
Apr‐16
Jul‐16
Oct‐16
Jan‐17
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.69 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Individual Pension Fund ‐ Apex Bond ‐0.27% ‐0.94% ‐0.73% 2.86% 7.67% 7.00% 7.61%Benchmark ‐0.21% ‐0.63% 0.14% 3.52% 8.20% 7.92% 8.00%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
March 31, 2009 ULIF 008 31/03/09 SUD‐PI‐BN1 142
Products : AUM :
Rs. 3.34 Cr
Portfolio % to AUM
`
Debt 88.86% Minimum Maximum
Gilts & SDL (Top 10 Holdings & >1%) 47.02% 80% 100% 2.97 88.86%
8.33% GOI ‐ 09‐Jul‐2026 12.42% 0% 20% 0.37 11.14%
8.17% GOI ‐ 01‐Dec‐2044 11.53%
7.16% GOI ‐ 20‐May‐2023 10.37%
6.97% GOI‐ 06‐Sep‐2026 5.61%
7.72% GOI‐ 25‐May‐2025 3.02%
8.97% GOI ‐ 05‐Dec‐2030 2.63%
7.40% GOI ‐ 09‐Sep‐2035 1.45%
Others (with < 1% exposure) 0.00%
Corporate Bonds (Top 10 Holdings & >1%) 41.84%
POWER GRID CORPORATION OF INDIA LTD 6.50%
MRF LTD. 6.39%
INDIAN OIL CORPORATION LTD 6.09%
RURAL ELECTRIFICATION CORPORATION L 6.08%
STEEL AUTHORITY OF INDIA LTD. 6.02%
THE GREAT EASTERN SHIPPING CO. LTD. 3.08%
RELIANCE GAS TRANSPORTN INFRA LTD. 3.08%
RELIANCE INDUSTRIES LTD 3.06%
HDFC LTD 1 53%
INDIVIDUAL PENSION FUND BOND - JANUARY 2018
Debt
For Dhruv Tara Products
MM & Others
Name of Fund Manager:
Mr. Lakshman Chettiar
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Asset Mix
ParticularsInvestment Pattern
Actual
Benchmark :
CRISIL Composite Bond Index ‐ 90%
CRISIL Liquid Fund Index ‐ 10%
AUM (Rs. In Cr)
Debt88.86%
MM & Others11.14%
Asset Allocation (% to AUM)
Debt Rating Profile (% of Debt)
HDFC LTD. 1.53%
Others (with < 1% exposure) 0.00%
MM & Others 11.14%
Total 100.00%
`
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
15.66%
9.15%
6.39%
6.02%
3.08%
1.53%
0.00%
Infrastructure
Manufacture of coke and refined petroleum products
Manufacture of rubber and plastics products
Manufacture of Basic Metals
Water transport
Housing Sector
Others
Top 10 Industry Exposure ( % to AUM)
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
10.32%
17.11%
7.19%
47.81%
17.56%
Debt Maturity Profile ( % of Debt)
AAA40.30%
AA‐6.78%
Gilts52.92%
9.70
11.70
13.70
15.70
17.70
19.70
21.70
Mar‐09
Aug‐09
Dec‐09
May‐10
Sep‐10
Jan‐11
Jun‐11
Oct‐11
Mar‐12
Jul‐12
Nov‐12
Apr‐13
Aug‐13
Jan‐14
May‐14
Oct‐14
Feb‐15
Jun‐15
Nov‐15
Mar‐16
Aug‐16
Dec‐16
Apr‐17
Sep‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.42 yrs
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Pension Fund ‐ Bond ‐0.18% ‐0.71% ‐0.56% 2.10% 6.73% 6.67% 7.34%Benchmark ‐0.21% ‐0.63% 0.14% 3.52% 8.20% 7.92% 7.75%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
January 29, 2014 ULIF 020 11/12/13 SUD‐LI‐BN2 142
Products : AUM :
Rs. 98.45 Cr
Portfolio % to AUM
`
Debt 87.79% Minimum Maximum
Gilts & SDL (Top 10 Holdings & >1%) 41.24% 70% 100% 86.43 87.79%
6.97% GOI‐ 06‐Sep‐2026 5.50% 0% 30% 12.02 12.21%
7.40% GOI ‐ 09‐Sep‐2035 4.44%
7.16% GOI ‐ 20‐May‐2023 8.44%
8.28% GOI ‐ 21‐Sep‐2027 3.38%
7.72% GOI‐ 25‐May‐2025 9.23%
8.20% GOI ‐ 24‐Sep‐2025 2.72%
6.68% GOI‐ 17‐Sept‐2031 2.42%
9.11% Maharashtra ‐ 28‐May‐2024 1.61%
8.97% GOI ‐ 05‐Dec‐2030 1.34%
8.2800% GOI ‐ 15‐Feb‐2032 1.06%
Others (with < 1% exposure) 1.10%
Corporate Bonds (Top 10 Holdings & >1%) 46.54%
DEWAN HOUSING FINANCE CORP. LTD. 7.07%
POWER GRID CORPORATION OF INDIA LTD 6.70%
LIC HOUSING FINANCE LTD 6.40%
RURAL ELECTRIFICATION CORPORATION L 5.76%
STEEL AUTHORITY OF INDIA LTD. 3.30%
HDFC LTD. 2.93%
LARSEN & TOUBRO LTD. 2.70%
VEDANTA LIMITED 2.24%
POWER FINANCE CORPORATION LTD. 1.90%
CRISIL Liquid Fund Index ‐ 15%
MM & Others
For Dhan Suraksha Plus & Wealth Builder Plan
Asset Mix
ParticularsInvestment Pattern
Actual
Debt
Name of Fund Manager:
Mr. Lakshman Chettiar
AUM (Rs. In Cr)
To aim for stable returns over medium to long term by judicious mix of investments in Government securities and
high quality corporate debt of varying maturities and also in money market instruments.
Benchmark :
CRISIL Composite Bond Index ‐ 85%
INDIVIDUAL LIFE INCOME FUND - JANUARY 2018
Debt87.79%
MM & Others12.21%
Asset Allocation (% to AUM)
AAA43.72%
Gilts46.98%
Debt Rating Profile (% of Debt)
TATA SONS LTD. 1.56%
RELIANCE INDUSTRIES LTD 1.56%
IRFC LTD. 1.08%
L&T HOUSING FINANCE LIMITED 1.05%
FULLERTON INDIA CREDIT COMPANY LTD. 1.02%
Others (with < 1% exposure) 1.28%
MM & Others 12.21%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionFund returns vis a vis Benchmark
Absolute CAGR (Annualised)
AA+2.99%
AA2.55%
AA‐3.76%
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
4.09%
10.03% 13.48%
61.18%
11.21%
Debt Maturity Profile ( % of Debt)
9.50
10.00
10.50
11.00
11.50
12.00
12.50
13.00
13.50
14.00
14.50
15.00
Jan‐14
Apr‐14
Jun‐14
Aug‐14
Oct‐14
Dec‐14
Mar‐15
May‐15
Jul‐15
Sep‐15
Nov‐15
Jan‐16
Mar‐16
Jun‐16
Aug‐16
Oct‐16
Dec‐16
Feb‐17
May‐17
Jul‐17
Sep‐17
Nov‐17
Jan‐18
NAV/U
NIT (R
s)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.24 yrs
16.40%
15.44%
5.81%
3.30%
2.70%
2.24%
1.56%
0.73%
0.00%
Housing Sector
Infrastructure
Financial & Insurance Activities
Manufacture of Basic Metals
Civil engineering
Mining of metal ores
Manufacture of coke and refined petroleum products
Water transport
Others
Top 10 Industry Exposure ( % to AUM)
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since InceptionIndividual Life Income Fund ‐0.29% ‐0.58% ‐0.43% 2.93% 7.46% 6.75% 8.91%
Benchmark ‐0.17% ‐0.51% 0.31% 3.69% 8.14% 7.90% 9.46%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No.
October 6, 2015 ULGF 003 20/03/15 SUD‐GN‐BN1 142
Products : AUM :
Rs. 10.48 Cr
Portfolio % to AUM
`
Debt 86.78% Minimum Maximum
Gilts & SDL (Top 10 Holdings & >1%) 53.82% 70% 100% 9.09 86.78%
7.16% GOI ‐ 20‐May‐2023 17.00% 0% 30% 1.39 13.22%
8.33% GOI ‐ 07‐Jun‐2036 10.05% 0% 15% 0.00 0.00%
8.20% Gujarat 24 Jun 2025 5.78% 0% 15% 0.00 0.00%
8.17% GOI ‐ 01‐Dec‐2044 4.97%
7.72% GOI‐ 25‐May‐2025 4.82%
8.21% Maharashtra ‐ 09‐Dec‐2025 3.86%
8.83% GOI ‐ 12‐Dec‐2041 3.71%
6.68% GOI‐ 17‐Sept‐2031 3.50%
8.20% GOI ‐ 15‐Feb‐2022 0.14%
Others (with < 1% exposure) 0.00%
Corporate Bonds (Top 10 Holdings & >1%) 32.95%
MRF LTD. 5.10%
LIC HOUSING FINANCE LTD 4.93%
RELIANCE INDUSTRIES LTD 4.88%
RURAL ELECTRIFICATION CORPORATION L 4.85%
TATA SONS LTD. 3.92%
DEWAN HOUSING FINANCE CORP. LTD. 3.29%
HDFC LTD. 3.05%
THE GREAT EASTERN SHIPPING CO. LTD. 2.95%
Others (with < 1% exposure) 0 00%
Fixed Deposits with Banks
MM & Others
Mutual Funds
GROUP DEBT FUND - JANUARY 2018
For SUD Life Group Retirement Benefit Plan
Asset Mix
ParticularsInvestment Pattern
Actual
Name of Fund Manager:
Mr. Lakshman Chettiar
To generate stable returns over medium to long term with full exposure in debt market instruments by judicious
mix of Government Securities and high quality corporate debt and also in money market instruments.
Benchmark :
CRISIL Composite Bond Index ‐ 90%
Debt
CRISIL Liquid Fund Index ‐ 10%
AUM (Rs. In Cr)
Debt86.78%
MM & Others13.22%
Asset Allocation (% to AUM)
Debt Rating Profile (% of Debt)
Others (with < 1% exposure) 0.00%
MM & Others 13.22%
Mutual Fund 0.00%
Fixed Deposit with Banks 0.00%
Total 100.00%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
CAGR (Annualised)Fund returns vis a vis Benchmark
Absolute
AAA37.98%
Gilts62.02%
1‐3 years 3‐5 years 5‐10 years > 10 years
19.21%
6.03%
49.15%
25.61%
Debt Maturity Profile ( % of Debt)
10.00
10.50
11.00
11.50
12.00
12.50
Oct‐15
Nov‐15
Dec‐15
Jan‐16
Feb‐16
Mar‐16
Apr‐16
May‐16
Jun‐16
Jul‐16
Aug‐16
Aug‐16
Sep‐16
Oct‐16
Nov‐16
Dec‐16
Jan‐17
Feb‐17
Mar‐17
Apr‐17
May‐17
Jun‐17
Jul‐17
Aug‐17
Sep‐17
Oct‐17
Nov‐17
Dec‐17
Jan‐18
NAV/U
NIT (Rs)
NAV Performance (Since Inception)
NAV Benchmark
Modified Duration ‐ 4.88 yrs
11.26%
5.10%
4.88%
4.85%
3.92%
2.95%
0.00%
Housing Sector
Manufacture of rubber and plastics products
Manufacture of coke and refined petroleum products
Infrastructure
Financial & Insurance Activities
Water transport
Others
Top 10 Industry Exposure ( % to AUM)
pGroup Debt Fund ‐0.24% ‐0.79% ‐0.38% 3.26% 7.86% NA 7.36%Benchmark ‐0.21% ‐0.63% 0.14% 3.52% 8.20% NA 7.76%
Trademark used under licence from respective owners.
Investment Objective :
Date of Inception : SFIN No. Benchmark :
June 03, 2011 ULIF 018 03/06/11 SUD‐UL‐DP1 142
Products : AUM :
Dhan Suraksha Express, Dhan Suraksha 3, Dhan
Suraksha Premium 3 & Prabhat Tara 3,Dhan
Suraksha Plus & Wealth Builder Plan Rs. 400.16 Cr
Portfolio % to AUM
Debt & MM 100.00% Minimum Maximum
Gilts & SDL (Top 10 Holdings & >1%) 91.66% 60% 100% 366.80 91.66%
6.35% GOI‐ 02‐Jan‐2020 9.91% 0% 40% 33.36 8.34%
6.0500% GOI ‐ 02‐Feb‐2019 7.82%
7.80% GOI ‐ 11‐Apr‐2021 6.63%
364 day T‐Bill – 17 Jan 2019 5.88%6.9000% GOI ‐ 13‐Jul‐2019 5.06%5.69% GOI‐ 25‐Sep‐2018 4.97%7.16% GOI ‐ 20‐May‐2023 4.88%7.68% GOI‐ 15‐Dec‐2023 4.46%7.83% GOI ‐ 11‐Apr‐2018 3.76%8.90% SDL ‐ Tamil Nadu ‐ 20‐Sep‐2022 2.61%8.83% GOI 25 Nov 2023 2.52%7.28% GOI‐ 03‐Jun‐2019 2.52%91 day T‐Bill – 15 Feb 2018 2.49%9.63% Maharashtra ‐ 12‐Feb‐2024 2.16%8.35% GOI ‐ 14‐May ‐2022 2.07%7.9500% GOI ‐ 28‐Aug‐2032 1.77%9.15% GOI ‐ 14‐Nov‐2024 1.67%8.40% GOI 28 Jul 2024 1.54%8.24% GOI ‐ 15‐Feb‐2027 1.51%9.65% SDL ‐ Tamil Nadu ‐ 12‐Mar‐2024 1.29%8 49% SDL ‐ Karnataka ‐ 18‐Mar‐2019 1 27%
AUM (Rs. In Cr)
DISCONTINUED POLICIES FUND - JANUARY 2018
Government Securties
MM & Others
To ensure safety and liquidity of funds and to generate the returns over and above defined regulatory
minimum rate of return of 4% per annum.
Asset Mix
CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% *
ParticularsInvestment Pattern
Actual
Name of Fund Manager:
Mr. Lakshman Chettiar
Govt. Securties91.66%
MM & Others8.34%
Asset Allocation( % to AUM)
8.49% SDL ‐ Karnataka ‐ 18‐Mar‐2019 1.27%8.30% Maharashtra ‐ 25‐Mar‐2019 1.27%8.27% Kerala 25 Mar 2019 1.27%9.60% Gujarat ‐ 12‐Mar‐2018 1.25%8.00% Maharashtra ‐ 18‐Feb‐2018 1.25%7.80% GOI ‐ 03‐May‐2020 1.17%8.32% SDL ‐ Gujarat ‐ 04‐Aug‐2020 1.08%Others (with < 1% exposure) 7.59%
MM & Others 8.34%
1 Month 3 Month 6 Month 1 Year 2 Year 3 Year Since Inception
Discontinued Policies Fund 0.17% 0.41% 1.61% 4.56% 6.28% 6.74% 7.45%
Benchmark 0.28% 0.72% 2.19% 5.68% 7.53% 7.77% 8.16%
Note: * Crisil Liquid Index 100% upto May 2013
CRISIL Short Term Gilt Index 65% & CRISIL Liquid Index 35% from June 13 onwards
Fund returns vis a vis BenchmarkAbsolute CAGR (Annualised)
9.8010.1010.4010.7011.0011.3011.6011.9012.2012.5012.8013.1013.4013.7014.0014.3014.6014.9015.2015.5015.8016.1016.4016.70
Nov‐11
Feb‐12
May‐12
Aug‐12
Dec‐12
Mar‐13
Jun‐13
Sep‐13
Jan‐14
Apr‐14
Jul‐14
Oct‐14
Feb‐15
May‐15
Aug‐15
Nov‐15
Mar‐16
Jun‐16
Sep‐16
Dec‐16
Apr‐17
Jul‐17
Oct‐17
Jan‐18
NAV/U
NIT (R
s)
NAV Performance (Since Nov 01, 2011)
NAV Benchmark
< 1 year 1‐3 years 3‐5 years 5‐10 years > 10 years
22.06%
35.03%
14.79%
26.19%
1.93%
Debt Maturity Profile ( % of Debt)
Modified Duration ‐ 2.20 yrs
Trademark used under licence from respective owners.
Trademark used under licence from respective owners.
Risk Factors
• This document has been prepared for providing general information only.
• Unit Linked Life Insurance products are different from traditional insurance products and
are subject to various risk factors.
• Unit linked policies are subject to market risks associated with capital markets and NAVs
of units may go up or down based on the performance of fund and factors influencing
the capital market and the customers have to consider this aspect while taking any
decision.
• Customers should take into account their personal investment objectives, risk appetite
and other aspects of their financial situation before making an investment decision.
• Customers are advised to note that the details are based on past performance and are
not indicative of its future prospects or returns.
• SUD Life shall not be responsible for any losses caused or any claims that arise due to
investments made based on this document.
• All efforts have been made to ensure accuracy of the contents of this document,
however, SUD Life shall not be held responsible for any errors or omissions.
Trademark used under licence from respective owners.
Disclaimers related to Benchmark Indices
CRISIL Composite Bond Index and CRISIL Liquid Fund Index
CRISIL has taken due care and caution in compilation of data. Information has been obtained by CRISIL
from sources it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or
completeness of the information and is not responsible for any errors or omissions or for the results
obtained from the use of such information. CRISIL is not responsible for any errors in data reproduction.
CRISIL especially states that it has no financial liability whatsoever to the subscribers/ users/ transmitters/
distributors of this bulletin.
CNX NIFTY
“The Individual Life, Pension Life, Individual Apex Life Pension Apex Life funds, Blue Chip Equity Fund, Growth Plus Fund, Balanced Plus Fund and Individual Life Express Balanced Fund related to Equity, Growth and Balanced schemes, offered by SUD Life Insurance Co. Ltd are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited ("IISL").
Neither IISL nor CNX Nifty and its affiliates makes any representation or warranty, express or implied (including warranties of merchantability or fitness for particular purpose or use) to the owners of aforesaid schemes or any member of the public regarding the advisability of investing in securities generally or in aforesaid schemes linked to CNX Nifty Index or particularly in the ability of the said Index to track general stock market performance in India”.